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See also the Florida HOA Act (Fla. Stat. Ch. 720).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps, state structural-integrity filings
Relatively Moderate composite risk for this neighborhood area · 76th percentile of FL neighborhood areas
39 federal disaster declarations for this county, including 21 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · KISSIMMEE, CITY OF
CRS class 7: community flood-mitigation rating, 1 is the strongest discount
1,238 flood policies in force in this ZIP (238 condo) · as of 2026-06-01
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Footprint totals from mapped building outlines, not a survey. A common starting point for roofing and reserve estimates; add a slope factor for pitched roofs.
Mapped building outlines · Overture Maps
Parcel-roll figures for the whole association, not an appraisal of any single unit.
Public record · County parcel records
Annual change in ZIP 34746
2020 +3.9% · 2021 +9.4% · 2022 +25.9% · 2023 +10.8% · 2024 +3.8% · 2025 +6.2%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
No officer filings on record for Emerald Lakes of Kissimmee HOA yet.
From public officer filings
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6% of nearby housing sits in 5+ unit buildings, most of it built in the 2000s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
No Structural Integrity Reserve Study on file yet.
Model SB 4-D reserve contributions for this association’s unit count and building profile before the formal study numbers come in.
Public record · State structural-integrity filings, county parcel records
Counts describe the area around the association's geocoded location, for context. Not a site-specific environmental assessment.
Public record · Federal environmental-facility records · as of Jul 2026
Most recent significant event in Osceola County: Tornado, Aug 4, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Osceola County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 34746 · 2022
Average premium changed -16.7% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Common Elements verified vendor directory
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Cross-referenced public records
On file as EMERALD LAKES OF KISSIMMEE HOA
Legal name · Type
Filed as shown; displayed as Emerald Lakes of Kissimmee HOA
County parcel records, address verified
Principal address
Public record
Map location · 1 linked public record
Geocoded 2026-07-12
Names are shown in title case for readability. The string above is the name on file, unchanged.
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